Compare two income protection policies side by side

Choose two policies and compare their terms side by side. All figures are verified against providers’ own websites; missing information is marked with a source link.

Last verified 1 October 2026.

Policy 1Policy 2

Side-by-side comparison of FOA Income Protection and 3F Income Protection
Terms	FOA Income Protection	3F Income Protection
Requires	Member of FOA and FOA’s unemployment insurance fund	Member of 3F and 3F A-kasse
Type	Trade union – individual scheme	Trade union – individual scheme
Insurance company	Alka	Alka
Maximum overall coverage	90 % of salary	90 % of salary
Maximum supplementary payment	No DKK limit disclosed	No DKK limit disclosed
Waiting period	0 or 1 month (General conditions of Alka)	0 or 1 month (General conditions of Alka)
Qualifying period	9 months (General conditions of Alka)	9 months
Payment period	6 or 12 months (General conditions of Alka)	6 or 12 months - max. 36 payments in total (Alka's general terms)
Age	To be purchased before 61 years	To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary	27,830 DKK/month	27,830 DKK/month
Price	Individual - calculated at Alka	Calculated at Alka (70 30 05 07)
Sickness coverage	Not disclosed – see terms	Not disclosed – see terms
Tax deduction	Tax-deductible	Tax-deductible
Caveats	Not disclosed – see terms	Minimum salary: 3F’s website states 27,830 kr.; Alka’s 3F brochure 2026 states 27,460 kr.

Bold writing = maximum amount added to unemployment benefits. Rows with coloured background distinguish the two schemes.

FOA Income Protection

Requires: Member of FOA and FOA’s unemployment insurance fund
Type: Trade union – individual scheme
Insurance company: Alka
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: No DKK limit disclosed
Waiting period: 0 or 1 month (General conditions of Alka)
Qualifying period: 9 months (General conditions of Alka)
Payment period: 6 or 12 months (General conditions of Alka)
Age: To be purchased before 61 years
Minimum salary: 27,830 DKK/month
Price: Individual - calculated at Alka
Sickness coverage: Not disclosed – see terms
Tax deduction: Tax-deductible
Caveats: Not disclosed – see terms

3F Income Protection

Requires: Member of 3F and 3F A-kasse
Type: Trade union – individual scheme
Insurance company: Alka
Maximum overall coverage: 90 % of salary
Maximum supplementary payment: No DKK limit disclosed
Waiting period: 0 or 1 month (General conditions of Alka)
Qualifying period: 9 months
Payment period: 6 or 12 months - max. 36 payments in total (Alka's general terms)
Age: To be purchased before 61 years of age (Alkas 3F brochure 2026) - ends at retirement age
Minimum salary: 27,830 DKK/month
Price: Calculated at Alka (70 30 05 07)
Sickness coverage: Not disclosed – see terms
Tax deduction: Tax-deductible
Caveats: Minimum salary: 3F’s website states 27,830 kr.; Alka’s 3F brochure 2026 states 27,460 kr.

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